<?xml version="1.0" encoding="UTF-8"?><GPay><Header><ActivityCode>023026</ActivityCode><ReqSys>0001</ReqSys><ReqDate>${(reqDate)!}</ReqDate><ReqTransID>${(upayTransId)!}</ReqTransID><ReqDateTime>${(reqDateTime)!}</ReqDateTime><ActionCode>0</ActionCode><RcvSys></RcvSys><RcvDate></RcvDate><RcvTransID></RcvTransID><RcvDateTime></RcvDateTime><RspCode></RspCode><RspDesc></RspDesc></Header><Body><ActionFlag>${(signFlag)!}</ActionFlag><HomeProv>${(msgSender)!}</HomeProv><Reserved1>${(reserved1)!}</Reserved1><Reserved2>${(reserved2)!}</Reserved2></Body><Sign><SignFlag></SignFlag><CerID></CerID><SignValue></SignValue></Sign></GPay>